8575 Spring Ridge Dr, Petoskey, MI 49770 Property Records

Emmet County property record for 8575 Spring Ridge Dr, Petoskey, MI 49770

Property Summary

Property Type	Condominium
Owner	2 Individual Names on Record
Last Sale	$350,000 (Nov 2021)
Tax Bill	$3,726 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-20-04-225-140`

Property Details

APN / Parcel Number

Primary APN	`14-20-04-225-140`

Exterior

Architectural Style	Condo/Apartment

Location & Zoning

Street Address	8575 SPRING RIDGE DR
City	PETOSKEY
State	MI
Zip	49770-8994
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	EC SR
Legal Description	SILVER CREEK CONDO, UNIT 40. PLAN #180, SECTION 4, T34N, R4W
Legal Range	04W
Legal Township	34N
Legal Section	04
Legal Subdivision	SILVER CREEK CONDOMINIUM
Legal Unit	40
Jurisdiction	EMMET MI
Township / Civil Division	SPRINGVALE
Census Block Group	4
Census Block	4003
Census Tract	970500

Owner

Source: Emmet County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND U
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage US DEPARTMENT OF HOUSING AND URBAN DEVEL
Oct 29, 2018	Deed of Trust, Mortgage CHEMICAL BANK
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK
Nov 12, 2021	Warranty Deed, Transfer · FHA Mortgage MERCANTILE BANK OF MICHIGAN
Oct 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Prior Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	20215191962
Deed Book / Page	1239 / 1
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994

Mortgage

Document Number	0000001270/0000000091
Date	Sep 23, 2025
Book Page	0000001270/0000000091
Instrument	5223122

Lender

Name	US DEPARTMENT OF HOUSING AND U

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994

Mortgage

Document Number	0000001270/0000000091
Date	Sep 23, 2025
Book Page	0000001270/0000000091
Instrument	5223122

Lender

Name	US DEPARTMENT OF HOUSING AND URBAN DEVEL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001207/0000000613
Date	Oct 29, 2018
Book Page	0000001207/0000000613
Instrument	000005160507

Lender

Name	CHEMICAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EMMET MI
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994

Mortgage

Document Number	0000001219/0000000687
Date	Feb 28, 2020
Book Page	0000001219/0000000687
Instrument	5172630

Lender

Name	TCF NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Nov 12, 2021
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Document Number	00001239/1
Book / Page	1239 / 1
Instrument Date	Nov 9, 2021
Instrument	5191962
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994

Mortgage

Document Number	0005191963
Date	Nov 12, 2021
Instrument	5191963

Lender

Name	MERCANTILE BANK OF MICHIGAN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EMMET MI
Recording Date	Oct 29, 2018
Property Address	8575 SPRING RIDGE DR, PETOSKEY, MI 49770-8994
Document Number	001207/612
Book / Page	1207 / 612
Instrument Date	Oct 18, 2018
Instrument	000005160506
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 SKYVIEW ST, PETOSKEY, MI 49770-9212

Tax Assessment & Valuation

Source: Emmet County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Emmet County
County Subdivision	Springvale Township
Unified School District	Public Schools of Petoskey (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$233,700 (+38.78%) Land $233,700	$467,400 (+38.78%) Land $467,400
2024	$3,726.00
2023		$168,400 Land $168,400	$336,800 Land $336,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Truestream Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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